{"id":55290,"date":"2024-07-29T00:00:04","date_gmt":"2024-07-29T04:00:04","guid":{"rendered":"https:\/\/roundstoneinsurance.com\/?p=55290"},"modified":"2024-07-29T12:08:38","modified_gmt":"2024-07-29T16:08:38","slug":"you-charged-me-for-what-top-5-hidden-costs-in-an-employee-benefits-plan","status":"publish","type":"post","link":"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/you-charged-me-for-what-top-5-hidden-costs-in-an-employee-benefits-plan\/","title":{"rendered":"You Charged Me for What? Top 5 Hidden Costs in an Employee Benefits Plan"},"content":{"rendered":"<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Uncover Hidden Fees:<\/span><\/b><span data-contrast=\"auto\"> Discover the top five hidden costs in employee benefits plans that are driving up healthcare expenses without employers even realizing it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240,&quot;335559740&quot;:279}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Roundstone\u2019s Transparency:<\/span><\/b><span data-contrast=\"auto\"> Understand how Roundstone\u2019s transparency can help you minimize these hidden fees and choose the most affordable options for your company\u2019s health plan.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/health-insurance-cost\/\"><span data-contrast=\"none\">Why is healthcare so expensive<\/span><\/a><span data-contrast=\"none\">? One factor is all the hidden costs charged by insurance brokers, network providers, Third Party Administrators (TPAs), and Pharmacy Benefits Managers (PBMs) in an employee benefits plan.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<div style=\"margin-right: 5%; margin-left: 5%; background-color: #ededed; padding: 4%; color: #39495b;\">\n<p style=\"font-size: 18px; font-weight: bold; color: #39495b;\">One of the nation\u2019s largest insurance companies, UnitedHealthcare, earned about $1 billion in fees from out-of-network savings programs, <a href=\"https:\/\/www.nytimes.com\/2024\/04\/07\/us\/health-insurance-medical-bills.html\">according to the New York Times<\/a><span data-contrast=\"none\">, citing testimony of two UnitedHealthcare executives. UnitedHealthcare charged New England Motor Freight, a New Jersey trucking company, $50,650 for processing a single hospital bill.<\/span><\/p>\n<\/div>\n<p>&nbsp;<\/p>\n<p><span data-contrast=\"none\">Sadly, the example above is only one of many. Participants in the insurance sales transaction not only collect a sometimes disclosed or visible commission but also collect what is frequently called an override or secondary commission amount, which is paid by insurance companies, according to Mike Schroeder, Founder and President of Roundstone.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Numerous hidden fees exacerbate the problem of escalating healthcare costs.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<blockquote><p><em><strong>\u201cAll of these secondary fees add to the fixed cost of a health plan, which impacts the ultimate costs of the employer,\u201d Schroeder said. \u201cAnd they really provide little to no value beyond the essential services for which they have already been paid.\u201d\u00a0<\/strong><\/em><\/p><\/blockquote>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Like a trick game of three-card monte, it\u2019s easy to be taken advantage of \u2013 until you change how the game is played. Roundstone can recommend solution providers that minimize these fees. Our scorecard or rating system <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/3-macrotrends-that-drive-more-employers-to-self-funded-stop-loss-captives\/\"><span data-contrast=\"none\">makes it easy to see who\u2019s charging what upfront so you can choose the most affordable option<\/span><\/a><span data-contrast=\"none\"> for your company\u2019s health plan.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Here are five hidden fees often baked into an employee benefits health plan.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">1. Brokers can charge overrides or commission payments that add to the cost of an employee benefits plan.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:120,&quot;335559740&quot;:279}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">Some brokers <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/pharmacy-benefit-managers-your-self-funded-plans-secret-weapon\/\"><span data-contrast=\"none\">receive a commission or override from the PBM<\/span><\/a><span data-contrast=\"none\">, the insurer, TPA, a patient advocacy tool, a concierge service to be part of a healthcare provider network, <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/telehealth-coverage-inspires-trust-in-health-insurance-plans\/\"><span data-contrast=\"none\">or a telehealth service<\/span><\/a><span data-contrast=\"none\">. These fees are rarely disclosed and can impact the ultimate cost of the company&#8217;s health plan.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">These financial incentives can also influence brokers&#8217; recommendations, steering employers towards higher-cost options that benefit the brokers financially rather than selecting the most cost-effective or high-quality health plan solution. As a result, these hidden fees inflate the overall expenditure on the company\u2019s health benefits, ultimately increasing costs for employers and their employees while obscuring the reasons why.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/what-your-fully-insured-insurance-carrier-doesnt-want-you-to-know\/\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-47625\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/06\/they-dont-want-you-to-read-this-cta-300x157.webp\" alt=\"they don't want you to read this\" width=\"1003\" height=\"525\" srcset=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/06\/they-dont-want-you-to-read-this-cta-300x157.webp 300w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/06\/they-dont-want-you-to-read-this-cta-1024x536.webp 1024w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/06\/they-dont-want-you-to-read-this-cta-768x402.webp 768w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/06\/they-dont-want-you-to-read-this-cta-1536x804.webp 1536w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/06\/they-dont-want-you-to-read-this-cta-jpg.webp 1800w\" sizes=\"(max-width: 1003px) 100vw, 1003px\" \/><\/a><br \/>\n&nbsp;<\/p>\n<h2><span data-contrast=\"none\">2. TPAs and network providers charge claim adjudication fees to negotiate lower costs.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:120,&quot;335559740&quot;:279}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">Many TPAs, as well as network providers like Cigna, Aetna, and UnitedHealthcare, will charge a percentage of savings from claim adjudication or claim adjustment. Essentially, they\u2019ll reduce the charges and then keep a percentage of those savings, which can be significant. For example, an out-of-network charge of $500,000 will be negotiated down to $300,000, and they\u2019ll take a 40% cut of that $200,000 savings, essentially earning an $80,000 fee for a 100-employee group.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<div style=\"margin-right: 5%; margin-left: 5%; background-color: #ededed; padding: 4%; color: #39495b;\">\n<p style=\"font-size: 18px; font-weight: bold; color: #39495b;\">The problem\u2019s getting worse. For one union health plan covering about 1,500 Phoenix-area electricians, these fees rose from $550,000 in 2016 to $2.6 million in 2019, <a href=\"https:\/\/www.nytimes.com\/2024\/04\/07\/us\/health-insurance-medical-bills.html\"><span data-contrast=\"none\">the New York Times reported<\/span><\/a><\/p>\n<\/div>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<blockquote><p><em><strong>\u201cIt\u2019s very frustrating to go out and have someone pitch us that they\u2019re going to save us money and then end up lining their pockets,\u201d Debra Margraf, a trustee for the plan, told the New York Times.\u00a0<\/strong><\/em><\/p><\/blockquote>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">These fees are sometimes unavoidable when working with certain network providers, but completely unnecessary when it comes to <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/7-secrets-to-finding-a-tpa-that-fits-your-needs\/\"><span data-contrast=\"none\">choosing the right TPA<\/span><\/a><span data-contrast=\"none\">. For example, <\/span><a href=\"https:\/\/choosebywater.com\/\"><span data-contrast=\"none\">Roundstone\u2019s in-house TPA, Bywater<\/span><\/a><span data-contrast=\"none\">, does not charge these fees and yet still adjudicates each claim to its accurate cost. With Bywater, all savings are retained by the employer.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><br \/>\n&nbsp;<\/p>\n<h2><span data-contrast=\"none\">3. Provider networks charge claim editing fees to ensure vendors follow their contract.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:120,&quot;335559740&quot;:279}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">A provider network may even charge a claim editing fee to verify that in-network providers adhere to their contracted rates. This fee is levied for auditing claims to ensure compliance with the agreed terms.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<blockquote><p><em><strong>\u201cIt\u2019s just a crazy and unjust fee because you\u2019re essentially paying them twice,\u201d Schroeder said. \u201cFirst, you pay to access the network, and then they charge you again to confirm their providers are following the contract. It\u2019s a form of double-dipping that\u2019s unfair to the employers.\u201d\u00a0<\/strong><\/em><\/p><\/blockquote>\n<p>&nbsp;<\/p>\n<h2><span data-contrast=\"none\">4. PBMs charge spread pricing, increasing the cost of company healthcare plans. <\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:120,&quot;335559740&quot;:279}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">Spread pricing is when the PBM charges the employer a higher price for a prescription ingredient than what they reimburse the manufacturer. This is typically not disclosed by the PBM and can significantly raise the cost of a company\u2019s healthcare plan.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Spread pricing can spike the cost of prescription drugs, putting an undue burden on both the employer in the cost of their employee health benefits and the employee in higher medication costs.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Such increases in prescription drug plans are driving up the cost of healthcare and exacerbating health outcomes. More than one in four (28%) of consumers say it is either \u201csomewhat\u201d or \u201cvery difficult\u201d for them to afford to pay for prescription drugs, <\/span><a href=\"https:\/\/www.kff.org\/health-costs\/issue-brief\/americans-challenges-with-health-care-costs\/\"><span data-contrast=\"none\">according to KFF<\/span><\/a><span data-contrast=\"none\">, a health policy researcher. And more than one in five (21%) say they have avoided filling prescriptions due to high costs. Avoiding necessary medications can significantly impact the employee\u2019s health, resulting in greater costs for the employer&#8217;s health insurance plan as care is neglected.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">A state audit of Medicaid managed care plans in Ohio <\/span><a href=\"https:\/\/votervoice.s3.amazonaws.com\/groups\/spondylitis\/attachments\/Ppro%20datapoint.pdf\"><span data-contrast=\"none\">revealed PBMs earned a third higher profit from spread pricing generic drugs<\/span><\/a><span data-contrast=\"none\"> alone.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">5. PBMs can keep pharmacy rebates for their own profit.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:120,&quot;335559740&quot;:279}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">A PBM will negotiate rebates on the price of a drug from its manufacturer. Many traditional PBMs, <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/self-insured-vs-fully-insured\/\"><span data-contrast=\"none\">especially those under fully insured plans<\/span><\/a><span data-contrast=\"none\">, will keep those rebates so the employer never sees a dime. Those savings become their profit, essentially a fee employers and employees pay through higher pharmacy costs and ultimately a more expensive company health plan.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">But when you <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/how-self-funded-insurance-lowers-costs\/\"><span data-contrast=\"none\">work with a transparent or pass-through PBM recommended by Roundstone<\/span><\/a><span data-contrast=\"none\">, the rebate savings are directly returned to the employer so both the employer and employee benefit, resulting in a lower cost of employee health benefits.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-55298\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/07\/Vetted-Partnerships-Criteria-Graphic-300x169.webp\" alt=\"Vetted Partnerships Criteria Graphic\" width=\"1008\" height=\"568\" srcset=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/07\/Vetted-Partnerships-Criteria-Graphic-300x169.webp 300w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/07\/Vetted-Partnerships-Criteria-Graphic-1024x576.webp 1024w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/07\/Vetted-Partnerships-Criteria-Graphic-768x432.webp 768w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/07\/Vetted-Partnerships-Criteria-Graphic.webp 1280w\" sizes=\"(max-width: 1008px) 100vw, 1008px\" \/><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">How Do You Reduce the Cost of Employee Health Insurance? Roundstone\u2019s Solution<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:360,&quot;335559739&quot;:120,&quot;335559740&quot;:279}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">You can reduce the cost of your employee benefits by being highly selective of your healthcare partner providers.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">That\u2019s why Roundstone issues a scorecard for our vendor partners. It measures each vendor according to pricing, competitive costs, administrative fee structure, and other factors. We can recommend vendors that either don\u2019t charge these fees or charge a minimum of fees.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Our in-house TPA, for example, Bywater, does not charge any percentage of savings. The admin fee is all it collects.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<blockquote><p><em><strong>\u201cIf you use our recommended PBMs, TPAs, and other vendor partners, they\u2019re not charging many of these hidden fees,\u201d Schroeder said. \u201cMany other captives will participate in these hidden fees \u2013 or they don\u2019t pay attention to them. There\u2019s no question that Roundstone is a leader in not accepting and avoiding hidden fees through complete transparency.\u201d\u00a0<\/strong><\/em><\/p><\/blockquote>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/why-self-fund\/\"><span data-contrast=\"none\">Why self-fund<\/span><\/a><span data-contrast=\"none\">? When compared to traditional insurance plans, <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/how-to-find-the-best-stop-loss-captive-for-your-employee-health-plan\/\"><span data-contrast=\"none\">Roundstone\u2019s self-funded clients save an average of 20%<\/span><\/a><span data-contrast=\"none\"> on their employee health benefits. Our clients are <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2023\/05\/The-Roundstone-Guarantee-Handout_may2024.pdf\"><span data-contrast=\"none\">guaranteed to save money<\/span><\/a><span data-contrast=\"none\"> over five years, <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/blog\/roundstones-captive-solution-for-employee-health-benefits-verified-by-validation-institute-for-cost-savings\/\"><span data-contrast=\"none\">a savings that has been verified by the Validation Institute<\/span><\/a><span data-contrast=\"none\">.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">How much can you save? <\/span><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/cost-savings-calculator\/\"><span data-contrast=\"none\">Use our Cost Savings Calculator<\/span><\/a><span data-contrast=\"none\"> to see for yourself.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\"><a href=\"https:\/\/roundstoneinsurance.com\/excelsior\/cost-savings-calculator\/\"><img decoding=\"async\" class=\"alignnone wp-image-55302\" src=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/07\/Cost-Savings-Calculator-Blog-CTA_800x225-300x86.webp\" alt=\"See What You Can Save with Our Cost Savings Calculator\" width=\"1064\" height=\"305\" srcset=\"https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/07\/Cost-Savings-Calculator-Blog-CTA_800x225-300x86.webp 300w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/07\/Cost-Savings-Calculator-Blog-CTA_800x225-768x219.webp 768w, https:\/\/roundstoneinsurance.com\/excelsior\/wp-content\/uploads\/2024\/07\/Cost-Savings-Calculator-Blog-CTA_800x225.webp 778w\" sizes=\"(max-width: 1064px) 100vw, 1064px\" \/><\/a><\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:240,&quot;335559739&quot;:240,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p class=\"excerpt\">Uncover Hidden Fees: Discover the top five hidden costs in employee benefits plans that are driving up healthcare expenses without employers even realizing it.\u00a0 Roundstone\u2019s Transparency: Understand how Roundstone\u2019s transparency can help you minimize these hidden fees and choose the most affordable options for your company\u2019s health plan. &nbsp; Why is healthcare so expensive? One [&hellip;]<\/p>\n","protected":false},"author":16,"featured_media":55304,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1827],"tags":[],"class_list":["post-55290","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-employers"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v25.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>You Charged Me for What? Top 5 Hidden Costs in an Employee Benefits Plan | Roundstone Insurance<\/title>\n<meta name=\"description\" content=\"Discover the hidden fees driving up employee healthcare benefits. 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